POSaBIT Systems Corp (POSAF) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of POSaBIT Systems Corp $0.11, price $0.06, upside +94.7%, quality 55 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $0.0260 – $1.84 · fair‑value band $0.0617 – $0.1395 · the $0.0550 price screens below the $0.1071 fair value. Dashed = 300-day average. As of Sep 23, 2026.
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POSaBIT Systems Corporation operates as a financial infrastructure provider to the Cannabis sector in the United States. It provides point-of-sale (POS) software as a service and cashless payment services for cannabis retailers; and sells and installs of payment terminals under the POSaBIT brand name.
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POSaBIT Systems Corporation operates as a financial infrastructure provider to the Cannabis sector in the United States. It provides point-of-sale (POS) software as a service and cashless payment services for cannabis retailers; and sells and installs of payment terminals under the POSaBIT brand name. The company also offers license of technology and support services, as well as rents and sells of hardware related to its payments and POS services. POSaBIT Systems Corporation was founded in 2015 and is headquartered in Seattle, Washington.
Stock analysis
POSaBIT Systems Corp (POSAF) currently trades at $0.0550, while our model-based Fair Value estimate is $0.1071, implying the stock looks roughly 48.6% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of $0.1300 per share, and 5 of the 6 models we run sit above the $0.0550 price.
Bear case: the Multiples group reads lowest at $0.0400, and 1 of the 6 models stay below the price. Evidence for this calculation is low.
Scenario range: $0.0617 (bear) to $0.1395 (bull), the price of $0.0550 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 55/100 (solid quality), in the Technology sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
POSaBIT Systems Corp reported revenue of $10.0M in FY2025 versus $21.3M in FY2021, a compound −17.2%/yr. Reported net income was −$2.0M in FY2025.
Key figures
Market cap $8.9M · P/S ratio 0.91 · Net margin −20.0% · Return on equity −540% · Return on assets (EBIT) −33.3% · Operating margin −10.3% · Revenue (TTM) $9.3M · Revenue growth (YoY) −25.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 29 out of 100 (low confidence).
What moves the price
The share trades about 25% below its 52-week high and 83% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Technology peers we cover trades at −6% fair-value upside, at 95%, POSAF screens cheaper than that median.
Fair Value models
Bear $0.0617Fair Value $0.1071Bull $0.1395
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.26/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
−34.5%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−41.4%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+5.0%
Start year 2020 (pandemic)
Revenue growth 9 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+83.9%
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Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
−12.5% (2020) → −21.7% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed
Growth Forecast
Price in line with expectations
The price assumes about as much growth as the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+5.0%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about +2.6% a year for the price.
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Software - Application · 721 stocks
Beats the industry median on 3/8 measures
Overall it trails its industry peers.
Valuation
Quality Score55 · Above median
Fair Value upside+95% · Top 25%
Profitability
Return on equity (TTM)Negative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.
Return on assets−12% · Bottom 25%
Net margin (TTM)−13% · Bottom 25%
Operating margin (TTM)−10% · Bottom 25%
Growth and dividend
Revenue growth−25% · Bottom 25%
Balance sheet
Debt / equityNegative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.
Valuation Multiplesvs Software - Application median · lower = cheaper
P/BNegative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.
P/S (TTM)0.96× · Cheaper than median
P/FCF11.5× · Pricier than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)100· sector 25
FUTURE (revenue growth)0· sector 38
PAST (return on equity)0· sector 16
HEALTH (low debt)0· sector 97
DIVIDEND (yield)0· sector 30
PAST 0: with negative equity (buybacks among others) return on equity is not meaningfully computable.
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Cite: Fair Value Calculator (2026). "POSaBIT Systems Corp Fair Value". https://www.fairvalue-calculator.com/stock/POSAF
Frequently asked questions
Is POSaBIT Systems Corp (POSAF) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $0.1071 versus a price of $0.0550, about +95% upside (undervalued).
What is the fair value of POSAF?
Our model-based fair value for POSaBIT Systems Corp is $0.1071 (as of Sep 23, 2026), built from audited fundamentals. The current price: $0.0550.
What is the quality score of POSAF?
POSaBIT Systems Corp has a Quality Score of 55/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for POSaBIT Systems Corp (POSAF)?
Our model-based price target is the fair value of $0.1071 (as of Sep 23, 2026) from 6 valuation models. Cautious scenario $0.0617, optimistic scenario $0.1395. It is a calculation from audited fundamentals, not an analyst target.
What is the POSaBIT Systems Corp stock forecast for 2026?
Our models put fair value at $0.1071, about +95% upside versus a price of $0.0550 (undervalued). Cautious scenario $0.0617, optimistic scenario $0.1395. The calculation is refreshed regularly with new filings.
What is the revenue of POSaBIT Systems Corp (POSAF)?
POSaBIT Systems Corp reported trailing-twelve-month revenue of about $9.3M (latest available figure, as of Sep 23, 2026).
What growth is priced into POSaBIT Systems Corp (POSAF)?
For today's price to be fair in a discounted-cash-flow model, POSaBIT Systems Corp would have to grow free cash flow by +5.0 % per year for five years (discount rate 9.8 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +5.0 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of POSAF use?
Our models discount POSaBIT Systems Corp at 9.8 %: a base by market capitalisation (nano), damped by beta 1.04, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For POSaBIT Systems Corp that is +5.0 % per year a year over ten years, using the same discount rate (9.8 %) and the same formula as our fair value.
How much growth has POSaBIT Systems Corp (POSAF) delivered so far?
Over the past 5 years revenue at POSaBIT Systems Corp grew +5.0 % a year. The price currently implies +5.0 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of POSaBIT Systems Corp (POSAF) growing?
The median revenue growth in the sector is +8.2 % a year. That is the yardstick for the growth priced into POSaBIT Systems Corp (+5.0 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of POSaBIT Systems Corp (POSAF)?
The free-cash-flow yield on the price is 8.71 %: that much free cash flow POSaBIT Systems Corp produces per unit of market value. When it exceeds the discount rate of our models (9.8 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of POSaBIT Systems Corp (POSAF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For POSaBIT Systems Corp it is $0.1071 per share (as of Sep 23, 2026), against a price of $0.0550. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is POSaBIT Systems Corp stock overvalued or undervalued in 2026?
As of Sep 23, 2026, POSAF trades below its calculated fair value: price $0.0550, fair value $0.1071, a gap of about +95% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of POSAF?
No. The price is what the market pays today ($0.0550); the fair value is what the company's own numbers justify ($0.1071). For POSaBIT Systems Corp the two are $0.0521 per share apart. That gap is exactly why we show both numbers side by side.
How much is POSaBIT Systems Corp worth?
The market values POSaBIT Systems Corp at about $8.9M (market capitalisation, as of Sep 23, 2026). Per share that is $0.0550; our models calculate a fair value of $0.1071 per share.
What do the bullish and bearish scenarios say about POSAF?
Our models span a range for POSaBIT Systems Corp: cautious scenario $0.0617, base $0.1071, optimistic $0.1395 per share (as of Sep 23, 2026, price $0.0550). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of POSaBIT Systems Corp (POSAF)?
Balance-sheet figures for POSaBIT Systems Corp (as of Sep 23, 2026): negative equity, so no return on equity and no debt-to-equity ratio. They feed the Quality Score of 55/100, which measures business quality independently of the share price.
How far is POSAF from its 52-week high?
POSaBIT Systems Corp trades at $0.0550, about 25% below its 52-week high of $0.0729 and 83% above the low of $0.0300 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of $0.1071 is for.
Which stocks are comparable to POSaBIT Systems Corp?
From the same area (Technology) we also value SAP SE, Salesforce, Inc, Shopify Inc, ServiceNow, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is POSaBIT Systems Corp stock attractive at the current price?
The data as of Sep 23, 2026: price $0.0550, calculated fair value $0.1071 (+95%), Quality Score 55/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of POSAF calculated?
We run POSaBIT Systems Corp through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $0.1071, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.0 % above its aggregate fair value. POSaBIT Systems Corp currently trades 95 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of POSaBIT Systems Corp (POSAF)?
The closing price on Sep 24, 2026 was $0.0550. Our model-based fair value is $0.1071, about +95% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with POSaBIT Systems Corp right now?
The price is below even our cautious bear case ($0.0617). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid quality (55/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range ($0.0617 to $0.1395) leaves room in how you read the outcome.
Key figures of POSaBIT Systems Corp
How large is the market capitalisation of POSaBIT Systems Corp (POSAF)?
The market capitalisation of POSaBIT Systems Corp is $8.9M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of POSaBIT Systems Corp (POSAF)?
The price-to-sales ratio of POSaBIT Systems Corp is 0.91 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What is the net margin of POSaBIT Systems Corp (POSAF)?
The net margin of POSaBIT Systems Corp is −20.0% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of POSaBIT Systems Corp (POSAF)?
The return on equity (ROE) of POSaBIT Systems Corp is −540% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of POSaBIT Systems Corp (POSAF)?
On an EBIT basis the return on assets of POSaBIT Systems Corp is −33.3% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of POSaBIT Systems Corp (POSAF)?
The operating margin of POSaBIT Systems Corp is −10.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at POSaBIT Systems Corp (POSAF)?
Revenue at POSaBIT Systems Corp is growing −25.0% versus a year earlier (3y avg −41.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much net debt does POSaBIT Systems Corp (POSAF) carry?
The net debt of POSaBIT Systems Corp is $2.8M (fiscal year 2025, ≈ 3.6 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Thin data
Sep 23, 2026